Kuda Bank Of The Free But Poor User Experience — Customers Say

Kuda – popularly called “The bank of the free” because according to its manager and owners, ” patronising the bank and using its services doesn’t cost anything” claims to provide exciting new digital banking experiences designed specifically for Nigerian customers and enabling easy sign up.

According to Kuda, the digital bank gives Nigerians an easy way to manage their money by using mobile banking apps on their smartphones. Anyone can easily download the app, open an account on your phone and request a free debit card!

The digital bank also claim to help keep up with your finances without losing sleep, without any card maintenance fees, while enabling free transfers and automatic savings.

Kuda Bank Of The Free But Poor User Experience — Users Say
Kuda Bank Of The Free But Poor User Experience — Users Say

For more information about Kuda, CLICK HERE.

Frequently Asked Questions (FAQs) About Kuda

Is Kuda licenced by CBN?

Kuda operates a microfinance bank licensed by the Central Bank of Nigeria while its deposit are insured with Nigeria Deposit Insurance Corporation, NDIC.

Why Should You Use Kuda?

– You can open an account in few minutes.
– Kuda gives you 25 free transfers every month, and free debit and credit alerts.
– You can save and plan easily with our saving and budgeting features – get up to 15% annual interest!
– Qualify for instant overdrafts when you use your Kuda account regularly and borrow money whenever you need it.

Does Kuda Operates A Free Account?

– Kuda won’t charge you for card maintenance or account maintenance. They even deliver a free debit card to you, free of charge.

– Kuda helps you plan your finances and save for your future.
– Take control of your spending with smart budgeting on Kuda, then set a percentage to save automatically and watch your money grow.
– You can also save every time you spend directly from your account with Kuda Spend+Save. It’s the smartest way to save!
– Kuda reward you with up to 15% annual interest on your savings, so your money keeps making money.

Is Your Money Is Safe At Kuda?

-Kuda is aware debit cards go missing sometimes. That’s why you can block your card on the app (and unblock it if you find it).
– Use Private Mode to hide your account balance.
– If you need help, you can chat with Kuda on the app or send a message to help@kudabank.com anytime.

How Can You Move Your Bank Account To Kuda?

Move To Kuda In Two Easy Steps:
1. Open your account: Download the app and sign up.
2. Add money to your account: Add a debit card, send money to your Kuda account from another bank’s app or through internet banking, send money by USSD or deposit cash at our partner banks.

Reviews And Feedback From Kuda App Customers And Users

Ejikeme nkechi
29 April 2022
It’s been a terrible experience so far for me since last month. App barely opens , takes ages to login. I have to go through hurdles of deleting and reinstalling it but today’s own is far worse. Please, work on these issues is irritating, I have business to do but the app keeps failing me each time I try🥺

Chukwuemeka Prince
23 April 2022
My worst experience ever.. I don’t understand how the support works.. I had an issue with my last and other names.. Which I tried to change its keep saying updated your government vaild ID with the correct name.. Which I did but it’s not working at all.. So I’m in tie 1 level.. I couldn’t upgrade my account to enjoy some feature.. Even when I request for the closure of the account so I could sign up new account.. Very thing is not working out for me.. Its a horrible experience for me.💔💔😡😡😡

Taiwo Godoton
11 May 2022
My experience with the Kuda app has been great. However, the Savings Goal option needs tweaking. It doesn’t give you the chance to make up for missed payments, and that impedes its purpose for me. Once you missed a day, you couldn’t meet your target – so what’s the point, really. I moved elsewhere in terms of savings but I’d be eager to use the Goal option again when you people fix it.

Harold Uku
19 May 2022
Everything was fine with using this app until recently when I could no longer log in to the app. Kept on saying “something isn’t right. please try again.” And I have not been able to get in touch with their customer care. My emails are unreplied. Calls to their customer care number are not connecting. The recent experience using this bank app has been very frustrating and worrisome.

onifade oluwadamilare
4 March 2022
its been a great experience so far, but there are little little things that still need amendment on the app. firstly, the deduction of the goal saving is not regular. secondly, their should be space for top up on the goal saving should in case someone want to top the saving up in other to make up for some days. the aspect I love most is the spend and save. its really a great experience

D – Bawse
3 January 2022
You have a panic mode but all transactions can be seen on the front page, please move transactions to another part of the app. Overall, good app, great banking service. I haven’t contacted customer service cause everything has been smooth so far. 4 stars for now. Update: customer service is now very slow, sometimes doesn’t even respond. I asked a simple question about a refund but got ignored. It’s still an okay bank but maybe they bit more than they could chew? Stll 4 stars for now.

Oluwaseyi Ajayi
19 May 2022
Facial Video login is rubbish. After it’s say successful in recording one’s face, it’s takes a longer time to process, then all of a sudden says “something isn’t right”, and cancels the whole process (complete 2 to 8 minutes, worst case 10 minutes). I still don’t understand why all these fintech companies because of security, will make something so simple in previous versions become so complex in updated version, to the extent, their customers will be frustrated and forced to switch apps.

Kolamide Olawoye
22 May 2022
I should give it 5 stars because I really like the app and it is very effective but you never can tell where there is a fault until you use all the features. I use the app for basic transactions like airtime and transfers and it has served me well in these areas.

Cnior Man
20 May 2022
This is not a way out, because this two factor authentication is not working at all after showing you that successful, but totally this app updating was too frustrated. Before now i thaught that kuda is the way out but you just damaged your banking app. Just go edit it like the few days ago.

Ebuka Nnaemeka
18 May 2022
I haven’t been able to use the app right from the first day I created an account. It keeps saying “Something went wrong- please click refresh to try again”. I’m on a stable WiFi connection so I know this isn’t a network provider issue. This is a poor user experience from kuda!!.. I have written email to the support team until now no response!

Godwin Emanor
14 May 2022
Just got the app and it’s already having problems initializing. Don’t tell me it’s network issues because I’m using other apps that requires internet perfectly well. I’ll have to switch to another application option since I can’t trust your product to perform a simple loading task, how can I be confident enough to put money in there. So disappointing.

Vintage Jack
10 May 2022
I don’t understand why it seems so difficult to connect with the customer service, i have been trying to link my ID to the account so i can be used unlimited transactions and it’s keep saying (The Identity authority couldn’t validate your Id document) and that’s the same NIN i use on my others bank, honestly speaking this is so annoying. I have been trying to reach the support service but no access.

Mmesomachukwu Chuma-Udeh
8 May 2022
This app is really a frustrating one! I can’t log in, deleted and reinstalled and yet the same story, ‘something went wrong’. Just my first trial and Kuda is this unreliable, a bank app shouldn’t be so unreliable. Please, find a solution to this problem.

ABIDEMI AKOSILE
18 May 2022
The free transfer help to save a lot of money that would have taken by a conventional bank. The interface of the app is very easy to understand and use too. Thank God for the idea and those who have implemented it so well

Lekan Olaoye
30 April 2022
Immediately I got my card, I wanted to activate it straight up. But one thing I didn’t like is that the Scan Code feature doesn’t work. It’s shows the numbers, but doesn’t store them. If it’s not working, remove the Scan Code feature completely to avoid confusion. Then allow users to only enter the card number and other details manually.

Victor Johann
1 May 2022
At first I was quite hesitant to use Kuda because of past reviews but notably, there has been a lot of improvement and it’s cool. Though I am not really satisfied with the saving option because I can’t lock the funds for a certain period of time. Safelock should be added because of people like me that can’t resist using the money set aside for saving 😂😂

I’mKing Udonyah
8 May 2022
I have tried reaching out to the Kuda Help Team via email and the reporting channel over a POS transaction that did not go through since on the 30th of April 2022 and I have not had any response nor reversal, this was not the case with reversals initially. I guess there is a challenge but at least you should have sent me a mail (not automated BOT responses). I imagine the team would see this and get in touch so the money could be reverse. Thank you in advance.

Tomiloba David Adegalu
9 May 2022
good interface, smooth processes in the app, but terrible with online payments and even worse at responding to their users complaints via email and also in the app. I’ve been having issues making online purchases, I’ve contacted kuda severally via email and also in the app-chat but I seem to be igno

Betty Uwarike
21 March 2022
My experience so far hasn’t been as rosy as I expected initially. I used the app to pay my electricity bill on Saturday and till now no token number has been sent. I’ve sent several emails but nobody is responding. Your customer care number isn’t even reachable. I downloaded this app to have a better experience when doing financial transactions but so far, I’m not getting it.

Franklin Olori
4 May 2022
I love the app and it’s concept. I just have a suggestion with regards to the savings option, I think it would be a better experience if you can add an option where one can manually top up the savings plan, either with the specific amount or other amount of money… I’ve missed a couple of weeks so far and I’d really love to top up. Thank you

Rebecca Etim
29 April 2022
I don’t have any issues with the App, but with the card. Twice now I have used my card on a POS machine to either buy something or withdraw and both times I was debited, and didn’t get a reversal. I’ve logged several complaints but nothing has been done. This second time is really bad cos that’s all I have, and I wanted to use it to myself to work tomorrow. I really don’t know why I keep having issues like this, but I might have to close the acct if it’s not corrected. I’m so pissed 😡.

Okeowo, Sunday-Olaolu olaolu
24 April 2022
Everything is OK, but am not giving 5 stars only because of the upgrading, done it, and uploaded the requirements, and yet done, keeps rejecting deposit, I have done it more than twice and all accepted all my documents but refused to upgrade the account since January, it doesn’t worth it, apart from the upgrade issue, nothing else, the system and service are superb, improve more on the customer service, delay response. ****, +✍️, Do the necessary to make physical card available, Kuda bank,Best.

Esteemed Ayobami
25 April 2022
The app is good but somedays, the network can be very frustrating. I use it for POS business and the app has not been working well for the past 7 hours. I can’t send money to customers, I can’t check if anyone sent money or not. I tried calling the customer service line but it’s not connecting. I’m so angry right now and I’m already searching for alternative online bank cos it’s obvious your bank is Not Reliable. In all please fix this, tis the second time it’s happening in 30 days

ejikeme nkechi
29 April 2022
It’s been a terrible experience so far for me since last month. App barely opens , takes ages to login. I have to go through hurdles of deleting and reinstalling it but today’s own is far worse. Please, work on these issues is irritating, I have business to do but the app keeps failing me each time I try🥺

Chukwuemeka Prince
23 April 2022
My worst experience ever.. I don’t understand how the support works.. I had an issue with my last and other names.. Which I tried to change its keep saying updated your government vaild ID with the correct name.. Which I did but it’s not working at all.. So I’m in tie 1 level.. I couldn’t upgrade my account to enjoy some feature.. Even when I request for the closure of the account so I could sign up new account.. Very thing is not working out for me.. Its a horrible experience for me.💔💔😡😡😡

David Osumah
24 April 2022
Seems like a nice app with a nice interface which lured me into downloading it. I’m in the process of completing my account creation and it suddenly says SORRY SOMETHING WENT WRONG, TRY AGAIN LATER. I’ve tried this over and over on different devices but it still doesn’t work. And I’m also having a problem logging in now. Fix this Kuda.

omolayo omotomilola emmanuel
27 April 2022
In the option of Local government area, the one for Ekiti State is not complete. I live in Ado Ekiti the biggest and capital of the state yet it not on the list what a huge error there. Do you know how many prospective client you would’ve lost just because of this huge error. Count it ur self Ekiti

okpara chiamaka
16 May 2022
I was happy when I started using kuda bank.. But as it is now…Am not happy… I got a new phone, and I have been trying to log in to my account but they keep telling me to record a video first , which I have done countless of times ….But they keep telling me, Our Al is checking your video… For

MOTIVATIONAL VIDEOS
30 March 2022
Everything was fine with using this app until recently when I could no longer login to the app. kept on saying “something isn’t right. please try again.” And I have not been again to get in touch with their customer care. my emails are unreplied. calls to their customer care number are not connectin

iyekekpolo emma
12 March 2022
The person incharge of kuda app development needs to be flogged, because I don’t understand how I’ll take a picture on the kuda app (when you’re putting in your documents) and I’ll take it perfectly and after that it will show something entirely different please look into this issue, because it has prevented me from upgrading my account, a problem caused by you guys. I’m steps away from Uninstalling your app.

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READ ALSO! TOP 13 ACCOUNTING SOFTWARE FOR SMALL AND MEDIUM SCALE BUSINESSES

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About the Author: Femi Adeoya

Mr Femi Adeoya is a Chartered Forensic Accountant and a Certified Fraud Examiner. He has over 20 years professional work experience in accounting, finance and business management processes. As an Accounting Software Expert, he has implemented and supervised accounting solution set up of over 50 small and medium businesses in Nigeria. As a passionate blogger, Mr Adeoya is an ardent writer and communicationist. He is the CEO of QUICK LOAN ARENA (quickloanarena.com), the number 1 loan apps review website in Nigeria. He is very passionate about the quick and instant loan industry in Nigeria and has written over 200 reviews on different loan apps and digital banks in Nigeria, USA, Canada and UK.

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